Citifinancial Auto — Payments not applied to principal
I financed a car through Citifinancial Auto in May 2007. My account was charged a late fee every single month for over a year no matter when the payment was made. They did not apply a payment to my account and I was charged more late fees even though I sent then a copy of the cancelled check 4 times. The charges were never refunded. It took them 7 months to correct that error. I received threatening and harassing phone calls, including being cussed and called a liar numerous times. They never applied anything to the principal of the loan for over 1 yr. The loan was then sold to Santander Consumer USA and I was told by a customer service agent in Jamaica that I was paying all that in interest because I delayed 3 payments. Which means I paid over $5, 000 extra in interest to delay them. They have not helped at all to resolve issues when I have made 56 of the 60 payments.